Bajaj Finance
NSE: BAJFINANCE · Financial Services
₹895.14
▼ -0.54%Price chart
Illustrative price history · not actual market candles
A. Company overview
Leading consumer and SME lending NBFC.
B. Fundamental analysis (illustrative)
Revenue growth
+3.54%
Net profit growth
+18.85%
Operating margin
22.57%
EBITDA margin
27.77%
ROE
21.63%
ROCE
24.53%
Debt / Equity
0.46
EPS
₹20.21
Operating cash flow
₹45,921 Cr
Working capital
₹17,255 Cr
5-year revenue & profit (₹ Cr)
C. Financial statements (illustrative)
| ₹ Cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 1,30,829 | 1,44,406 | 1,66,849 | 1,85,732 | 2,15,693 |
| EBITDA | 34,106 | 38,621 | 41,593 | 51,741 | 59,904 |
| Net profit | 21,316 | 24,138 | 25,996 | 32,338 | 37,440 |
| EPS (₹) | 14.15 | 15.76 | 17.38 | 19 | 20.61 |
D. Valuation analysis
P/E
44.3
P/B
7.76
EV/EBITDA
32.62
Price/Sales
5.32
EPS
₹20.21
Dividend yield
2.15%
Peer comparison — Financial Services
| Company | CMP | P/E | P/B | ROE | D/E |
|---|---|---|---|---|---|
| Bajaj Finance | 895.14 | 44.3 | 7.76 | 21.63% | 0.46 |
| Bajaj Finserv | 1,996.2 | 17.08 | 6.55 | 20.31% | 0.5 |
| Indian Railway Finance Corp | 129.38 | 15.84 | 8.02 | 28.93% | 1.21 |
E. Technical analysis
RSI (14)
59.76
MACD
8.62
Support
₹850.38
Resistance
₹948.85
Volume
96,99,239
Illustrative technical charts · not actual market history
Candlestick (last 50 sessions)
Price with 50-DMA & 200-DMA, volume
Fibonacci retracement levels
F. Shareholding pattern
G. SWOT analysis
Strengths
- Established position in Financial Services
- ROE of 21.63% in demo data
Weaknesses
- Limited pricing power in some segments
- Cyclical exposure
Opportunities
- Domestic demand growth
- Expansion in Consumer Loans
Threats
- Regulatory changes
- Competitive intensity
Illustrative template points for demonstration.
H. Research conclusion
Financial strength
Conservative balance sheet
Business quality
High capital efficiency
Valuation
Premium valuation
Growth
Sales growth of 3.54%
Risk assessment
Medium risk
Overall
Illustrative BUY opinion · target ₹1,145.67 · stop loss ₹783.89
I. Corporate actions
Dividend history (₹/share)
| Year | Dividend |
|---|---|
| FY22 | 15.4 |
| FY23 | 16.55 |
| FY24 | 17.71 |
| FY25 | 18.86 |
| FY26 | 20.02 |
Bonus, splits & announcements
- Bonus history: none in demo dataset
- Stock split history: none in demo dataset
- Board meeting for quarterly results — demo announcement